Call reports 2019
EVANS BANK, NATIONAL ASSOCIATION — 2019
What EVANS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,440,712,000 | 1,454,995,000 | 1,439,855,000 | 1,444,951,000 |
| Total loans | 1,185,429,000 | 1,212,699,000 | 1,219,848,000 | 1,226,531,000 |
| Allowance for loan losses | 15,207,000 | 15,248,000 | 15,438,000 | 15,175,000 |
| Securities available for sale | 138,831,000 | 135,576,000 | 134,457,000 | 127,922,000 |
| Securities held to maturity | 1,900,000 | 1,862,000 | 2,520,000 | 2,386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,278,728,000 | 1,286,722,000 | 1,263,458,000 | 1,269,924,000 |
| Interest-bearing deposits | 1,184,275,000 | 1,183,316,000 | 1,156,672,000 | 1,174,323,000 |
| Noninterest-bearing deposits | 94,453,000 | 103,406,000 | 106,787,000 | 95,601,000 |
| Equity capital | 132,637,000 | 135,734,000 | 141,386,000 | 145,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 15,542,000 | 31,867,000 | 48,712,000 | 64,740,000 |
| Interest expense | 3,001,000 | 6,160,000 | 9,352,000 | 12,588,000 |
| Net interest income | 12,541,000 | 25,707,000 | 39,360,000 | 52,152,000 |
| Noninterest income | 1,872,000 | 3,829,000 | 5,736,000 | 7,708,000 |
| Noninterest expense | 8,824,000 | 18,383,000 | 27,921,000 | 37,639,000 |
| Provision for loan losses | 538,000 | 628,000 | 197,000 | 75,000 |
| Pretax income | 5,051,000 | 10,525,000 | 16,978,000 | 22,146,000 |
| Income tax | 1,181,000 | 2,293,000 | 3,880,000 | 4,860,000 |
| Net income | 3,870,000 | 8,232,000 | 13,098,000 | 17,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 136,620,000 | 138,179,000 | 143,240,000 | 147,618,000 |
| Total capital | 151,353,000 | 153,243,000 | 158,630,000 | 162,793,000 |
| Risk-weighted assets | 1,178,204,000 | 1,204,945,000 | 1,231,054,000 | 1,221,723,000 |